Challenge it as in? Ask them to reconsider? I did once or twice I believe, but they seem to just copy and paste the same response over and over again, even 95% of the time I was asking about something else. I’m not sure how they came to the decision, again, one can only speculate, it would be nice if they actually ask to see proof of income or something. (I know they don’t need to!)
In regard to the link in the second post, it’s a bit misleading, somehow, it says “what you can do”, the short/long answer is nothing.
They sent me my DSAR, and I’m currently looking to see if I can get any advice from a “professional” or not. And then maybe escalate this to the Financial Ombudsman, eventually.
My main take away is, Monzo is a bank (business), not your friend after all, even they seem so nice on the surface/social media, so is other company. There will always be fans or haters.
I’m not angry with them closing my account, ‘cause it basically didn’t affect me much. I am very disappointed that, they didn’t make the whole process better. Too many unanswered questions, but the same old answer;
I mean I don’t need the above “information”, I want to know about something else i.e. the password to decrypt my DSAR documents.
If I vent it all out on Trustpilot, would anyone believe me? No, I’ll probably look like another troll. So might as well stay here, I’m a big fan of FinTech, I can still learn a lot from others as well.